Homeowner Checklist Page 1 of 6 rev. 06/14, effective 08/14

Homeowner Checklist For Your Information Only - Do Not Return with Your Borrower Response Package

GET STARTED – use this checklist to ensure you have completed all required forms and have the right information.

Step 1 Review the information provided to help you understand your options, responsibilities, and next steps:

Avoiding Foreclosure Frequently Asked Questions Beware of Foreclosure Rescue Scams

Step 2 Complete and sign the enclosed Borrower Assistance Form. Must be signed by all borrowers on the mortgage (notarization is not required) and must include:

All income, expenses, and assets for each borrower An explanation of financial hardship that makes it difficult to pay the mortgage Your acknowledgment and agreement that all information that you provide is true and accurate

Step 3 Complete and sign a dated copy of the enclosed IRS Form 4506T-EZ For each borrower, please submit a signed, dated copy of IRS Form 4506T-EZ (Short Form Request for

Individual Tax Return Transcript) Borrowers who filed their tax returns jointly may send in one IRS Form 4506T-EZ signed and dated by

both joint filers

Step 4 Provide required Hardship Documentation. This documentation will be used to verify your hardship. Follow the instructions set forth on the Borrower Assistance Form (attached)

Step 5 Provide required Income Documentation. This documentation will be used to verify your hardship and

all of your income (Notice: Alimony, child support or separate maintenance income need not be revealed if you do not choose to have it considered for repaying this loan).

Follow the instructions set forth on the Borrower Assistance Form (attached) You may also disclose any income from a household member who is not on the promissory note (non-

borrower), such as a relative, spouse, domestic partner, or fiancé who occupies the property as a primary residence. If you elect to disclose and rely upon this income to qualify, the required income documentation is the same as the income documentation required for a borrower. See Page 2 of the Borrower Assistance Form for specific details on income documentation.

Step 6 Gather and send your completed documents. You must send in all required documentation listed in steps 2-4 above, and summarized below: • Borrower Assistance Form (attached) • Form 4506-T (attached) • Income Documentation as outlined on Page 2 of the Borrower Assistance Form (attached) • Hardship Documentation as outlined on Page 3 of the Borrower Assistance Form (attached) • Real Estate Broker Listing Agreement (if applicable)

Please mail all documents above to us: Ulster Savings Bank, 180 Schwenk Drive, Kingston, NY 12401

IMPORTANT REMINDERS:

□ If you cannot provide the documentation within the time frame provided, have other types of income not specified on Page 2 of the Borrower Assistance Form, cannot locate some or all of the required documents, OR have any questions, please contact us at 866-440-0391

□ Keep a copy of all documents and proof of mailing/emailing for your records. Don’t send original income or hardship documents. Copies are acceptable.

Questions? Contact us at 866-440-0391

Homeowner Checklist Page 2 of 6 rev. 06/14, effective 08/14

Information on Avoiding Foreclosure For Your Information Only - Do Not Return with Your Borrower Response Package

Mortgage Programs Are Available to Help There are a variety of programs available to help you resolve your delinquency and keep your home. You may be eligible to refinance or modify your mortgage to make your payments and terms more manageable, for instance, lowering your monthly payment to make it more affordable. Or, if you have missed a few payments, you may qualify for a temporary (or permanent) solution to help you get your finances back on track. Depending on your circumstances, staying in your home may not be possible. In this case, a short sale or deed-in-lieu of foreclosure may be a better choice than foreclosure – see the table below for more information:

OPTIONS TO

STAY IN YOUR HOME

OVERVIEW BENEFIT

Refinance Receive a new loan with lower interest rate or other favorable terms

Makes your payment or terms more affordable

Reinstatement Pay the total amount you owe, in a lump sum payment and by a specific date. This may follow a forbearance plan as described below

Allows you to avoid foreclosure by bringing your mortgage current if you can show you have funds that will become available at a specific date in the future

Repayment Plan Pay back your past-due payments together with your regular payments over an extended period of time

Allows you time to catch up on late payments without having to come up with a lump sum

Forbearance Plan

Make reduced mortgage payments or no mortgage payments for a specific period of time

Have time to improve your financial situation and get back on your feet

Modification Receive modified terms of your mortgage to make it more affordable or manageable after successfully making payments during a “trial period” (i.e., completing a three month trial period plan) that approximate the modified payment

Permanently modifies your mortgage so that your payments or terms are more manageable as a permanent solution to a long-term or permanent hardship

OPTIONS TO LEAVE YOUR

HOME OVERVIEW BENEFIT

Short Sale Sell your home and pay off a portion of your mortgage balance when you owe more on the home than it is worth

Allows you to transition out of your home without going through foreclosure. In some cases, relocation assistance may be available.

Deed-in-Lieu of Foreclosure

Transfer the ownership of your property to us Allows you to transition out of your home without going through foreclosure. In some cases, relocation assistance may be available.

We Want to Help Take action and gain peace of mind and control of your situation. Complete and return the Borrower Response Package to start the process of getting the help you need now.

Homeowner Checklist Page 3 of 6 rev. 06/14, effective 08/14

Frequently Asked Questions For Your Information Only - Do Not Return with Your Borrower Response Package

1. Why Did I Receive This Package? You received this package because we have not received one or more of your monthly mortgage payments and want to help you keep your home if at all possible. We are sending this information to you now so that we can work with you to quickly resolve any temporary or long-term financial challenge you face to making all of your late mortgage payments.

2. Where Can I Find More Information on Foreclosure Prevention? Please see the Avoiding Foreclosure attachment in this package for more information, or you can contact Ulster Savings Bank at 866-440-0391. Additional foreclosure prevention information is provided by www.ulstersavings.com or Fannie Mae at www.KnowYourOptions.com or Freddie Mac at www.FreddieMac.com/avoidforeclosure . Please note that options vary based on the owner of your mortgage please contact your servicer Ulster Savings Bank for specific information.

3. What If I Want to Leave My Property? You may have good reasons for needing to leave your property, such as a job relocation, a divorce, a financial hardship due to the death of a borrower, or some other reason preventing you from keeping your property. If you intend to transition out of your home, please indicate that you want to sell or vacate the property on page 1 of the attached Borrower Assistance Form and we may first evaluate you for a short sale or deed-in-lieu of foreclosure. Even if you are approved for one of those workout solutions, we may consider you for a mortgage loan modification.

4. Will It Cost Money to Get Help? There should never be a fee from your servicer or qualified counselor to obtain assistance or information about foreclosure prevention options. However, foreclosure prevention has become a target for scam artists. Be wary of companies or individuals offering to help you for a fee, and never send a mortgage payment to any company other than the one listed on your monthly mortgage statement or one designated to receive your payments under a state assistance program.

5. What Happens Once I Have Sent the Borrower Response Package to You? We will send you a written notice within five business days of our receipt of your Borrower Response Package to confirm that we have received your package and will review it to determine whether it is complete or incomplete. If we determine there is missing information or documentation, we also will send you an incomplete information notice. We cannot guarantee that you will receive any (or a particular type of) assistance.

Within 30 days of receipt of a complete Borrower Response Package, we will let you know which foreclosure alternatives, if any, are available to you and will inform you of your next steps to accept our offer. However, if you submit your complete Borrower Response Package 37 calendar days or less prior to a scheduled foreclosure sale date, we will strive to process your request as quickly as possible, but you may not receive a notice of incompleteness or a decision on your request prior to sale. Please submit your Borrower Response Package as soon as possible.

6. What Happens to My Mortgage While You Are Evaluating My Borrower Response Package? You remain obligated to make all mortgage payments as they come due, even while we are evaluating the types of assistance that may be available.

Homeowner Checklist Page 4 of 6 rev. 06/14, effective 08/14

FREQUENTLY ASKED QUESTIONS continued

7. Will the Foreclosure Process Begin If I Do Not Respond to this Letter? If you do not respond to this letter, we may refer your loan to foreclosure in accordance with your mortgage loan documents and applicable law.

8. Should I Still Contact You If I Have Waited Too Long and My Property Has Been Referred to an Attorney for Foreclosure? Yes, the sooner the better!

9. What if My Property is Scheduled for a Foreclosure Sale in the Future? If we receive a complete Borrower Response Package 37 calendar days or less before a scheduled foreclosure sale, there is no guarantee we can evaluate you for a foreclosure alternative in time to stop the foreclosure sale. Even if we are able to approve you for a foreclosure alternative prior to a sale, a court with jurisdiction over the foreclosure proceeding (if any) or public official charged with carrying out the sale may not halt the scheduled sale.

10. Will My Property be Sold at a Foreclosure Sale If I Accept a Foreclosure Alternative? No. The property will not be sold at a foreclosure sale once you accept a foreclosure alternative, such as a forbearance or repayment plan, and comply with all requirements.

11. Will My Credit Report Be Affected by My Late Payments or Being in Default? The delinquency status of your loan will be reported to credit reporting agencies as well as your entry into a Repayment Plan, Forbearance Plan, or Trial Period Plan in accordance with the requirements of the Fair Credit Reporting Act and the Consumer Data Industry Association requirements.

12. Will My Credit Score Be Affected if I Accept a Foreclosure Prevention Option? While the effect on your credit will depend on your individual credit history, credit scoring companies generally would consider your entry into a plan with reduced payments as increasing your credit risk. As a result, entering into a plan with reduced payments may adversely affect your credit score, particularly if you are current on your mortgage or otherwise have a good credit score. However, bringing your loan current through a reinstatement, repayment plan or loan modification and continuing to make timely payments may improve your credit score over time.

13. Is Foreclosure Prevention Counseling Available? Yes, HUD-approved counselors are available to provide you with the information and assistance you may need to avoid foreclosure. You can use the search tool at http://www.hud.gov/offices/hsg/sfh/hcc/fc/ to find a counselor near you.

14. I Have Seen Ads and Flyers From Companies Offering to Help Me Avoid Foreclosure for a Fee. Are These Companies on the Level? Foreclosure prevention has become a target for scam artists. We suggest using the HUD Web site referenced in question 14 to locate a counselor near you. Also, please refer to the attached document called “Beware of Foreclosure Rescue Scams” for more information.

Homeowner Checklist Page 5 of 6 rev. 06/14, effective 08/14

BEWARE OF FORECLOSURE RESCUE SCAMS — TIPS & WARNING SIGNS For Your Information Only - Do Not Return with Your Borrower Response Package

Scam artists are stealing millions of dollars from distressed homeowners by promising immediate relief from foreclosure, or demanding cash for counseling services when HUD-approved counseling agencies provide the same services for FREE. If you receive an offer, information or advice that sounds too good to be true, it probably is. Don't let them take advantage of you, your situation, your house or your money. Remember, help is FREE. How to Spot a Scam – beware of a company or person who: Asks for a fee in advance to work with your lender to modify, refinance or reinstate your mortgage. Guarantees they can stop a foreclosure or get your loan modified. Advises you to stop paying your mortgage company and pay them instead. Pressures you to sign over the deed to your home or sign any paperwork that you haven't had a chance to read,

and you don't fully understand. Claims to offer "government-approved" or "official government" loan modifications. Asks you to release personal financial information online or over the phone and you have not been working with

this person and/or do not know them. How to Report a Scam – do one of the following: Go to www.preventloanscams.org and fill out the Loan Modification Scam Prevention Network’s (LMSPN)

complaint form online and get more information on how to fight back. Note: you can also fill out this form and send to the fax number/e-mail/address (your choice!) on the back of the form.

Call 1(888)995-HOPE (4673) and tell the counselor about your situation and that you believe you got scammed or know of a scam.

Appendix A – Beware of Scams Provides tips for avoiding scams and instructions on how to report a potentim.

The Loan Modification Scam Prevention Network is a national coalition of governmental and private organizations led by Fannie Mae, Freddie Mac, NeighborWorks America™

and the Lawyers’ Committee for Civil Rights Under Law.

Homeowner Checklist Page 6 of 6 rev. 06/14, effective 08/14

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Loan number:

Mortgage Assistance Application If you are having mortgage payment challenges, please complete and submit this application, along with the required documentation, to Ulster Savings Bank via mail: PO Box 3337, Kingston, NY 12402, fax: (845) 943-6952, or online: www.ulstersavings.com. We will contact you within five business days to acknowledge receipt and let you know if you need to send additional information or documents.

We will use the information you provide to help us identify the assistance you may be eligible to receive. If you need help completing this application, please contact Ulster Savings Bank at (866) 440-0391 extension 3338.

For a list of HUD-approved housing counseling agencies that can provide foreclosure prevention information, contact one of the following federal government agencies:

• The U.S. Department of Housing and Urban Development (HUD) at (800) 569-4287 or www.hud.gov/counseling• The Consumer Financial Protection Bureau (CFPB) at (855) 411-2372 or www.consumerfinance.gov/mortgagehelp

If you need assistance with translation or other language assistance, HUD-approved housing counseling agencies may be able to assist you. These services are provided without charge.

Borrower Information Borrower’s name: _______________________________________________________________________________________

Social Security Number (last 4 digits): ___________________

E-mail address: ___________________________________________________ ____________________________________

Primary phone number: _________________________________________________ Cell Home Work Other

Alternate phone number: _________________________________________________ Cell Home Work Other

Co-borrower’s name: ____________________________________________________________________________________

Social Security Number (last 4 digits): ___________________

E-mail address: ___________________________________________________ ____________________________________

Primary phone number: ________________________________________________ Cell Home Work Other

Alternate phone number: _______________________________________________ Cell Home Work Other

Preferred contact method (choose all that apply): Cell phone Home phone Work phone Email Text—checking this box indicates your consent for text messaging

Is either borrower on active duty with the military (including the National Guard and Reserves), the dependent of a borrower on active duty, or the surviving spouse of a member of the military who was on active duty at the time of death? Yes No

Property Information Property Address: _______________________________________________________________________________________

Mailing address (if different from property address): ___________________________________________________________

• The property is currently: A primary residence A second home An investment property

• The property is (select all that apply): Owner occupied Renter occupied Vacant

• I want to: Keep the property Sell the property Transfer ownership of the property to my servicer Undecided

Is the property listed for sale? Yes No – If yes, provide the listing agent’s name and phone number—or indicate “for sale by owner” if applicable: _______________________________________________________________________________

Is the property subject to condominium or homeowners’ association (HOA) fees? Yes No – If yes, indicate monthly dues: $_________________

Fannie Mae/Freddie Mac Form 710 Page 1 of 4 September 2017

Hardship Information

The hardship causing mortgage payment challenges began on approximately (date) __________________ and is believed to be:

Short-term (up to 6 months) Long-term or permanent (greater than 6 months) Resolved as of (date) _______________________

TYPE OF HARDSHIP (CHECK ALL THAT APPLY) REQUIRED HARDSHIP DOCUMENTATION

Unemployment Not required

Reduction in income: a hardship that has caused adecrease in your income due to circumstances outsideyour control (e.g., elimination of overtime, reductionin regular working hours, a reduction in base pay)

Not required

Increase in housing-related expenses: a hardship thathas caused an increase in your housing expenses dueto circumstances outside your control (e.g., uninsuredlosses, increased property taxes, HOA specialassessment)

Not required

Disaster (natural or man-made) impacting theproperty or borrower's place of employment

Not required

Long-term or permanent disability, or serious illnessof a borrower/co-borrower or dependent familymember

Written statement from the borrower, or otherdocumentation verifying disability or illnessNote: Detailed medical information is not required, andinformation from a medical provider is not required

Divorce or legal separation Final divorce decree or final separation agreement OR Recorded quitclaim deed

Separation of borrowers unrelated by marriage, civilunion, or similar domestic partnership underapplicable law

Recorded quitclaim deed OR Legally binding agreement evidencing that the non-

occupying borrower or co-borrower has relinquished allrights to the property

Death of borrower or death of either the primary orsecondary wage earner

Death certificate OR Obituary or newspaper article reporting the death

Distant employment transfer/relocation For active duty service members: Permanent Change ofStation (PCS) orders or letter showing transfer.

For employment transfers/new employment: Copy ofsigned offer letter or notice from employer showingtransfer to a new location or written explanation ifemployer documentation not applicable, AND

Documentation that reflects the amount of any relocationassistance provided (not required for those with PCSorders)

Other – hardship that is not covered above:___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

Written explanation describing the details of the hardshipand any relevant documentation

Fannie Mae/Freddie Mac Form 710 Page 2 of 4 September 2017

Borrower Income Please enter all borrower income amounts in middle column.

MONTHLY TOTAL BORROWER INCOME TYPE & AMOUNT REQUIRED INCOME DOCUMENTATION

Gross (pre-tax) wages, salaries and overtime pay, commissions, tips, and bonuses

$ Most recent pay stub and documentation of year-to-date earnings if not on pay stub OR

Two most recent bank statements showing incomedeposit amounts

Self-employment income $ Two most recent bank statements showing self-employed income deposit amounts OR

Most recent signed and dated quarterly or year-to-dateprofit/loss statement OR

Most recent complete and signed business tax returnOR

Most recent complete and signed individual federalincome tax return

Unemployment benefit income $ No documentation required

Taxable Social Security, pension, disability, death benefits, adoption assistance, housing allowance, and other public assistance

$ Two most recent bank statements showing depositamounts OR

Award letters or other documentation showing theamount and frequency of the benefits

Non-taxable Social Security or disability income

$ Two most recent bank statements showing depositamounts OR

Award letters or other documentation showing theamount and frequency of the benefits

Rental income (rents received, less expenses other than mortgage expense)

$ Two most recent bank statements demonstratingreceipt of rent OR

Two most recent deposited rent checks

Investment or insurance income $ Two most recent investment statements OR Two most recent bank statements supporting receipt

of the income

Other sources of income not listed above (Note: Only include alimony, child support, or separate maintenance income if you choose to have it considered for repaying this loan)

$ Two most recent bank statements showing receipt ofincome OR

Other documentation showing the amount andfrequency of the income

Current Borrower Assets Exclude retirement funds such as a 401(k) or Individual Retirement Account (IRA), and college savings accounts such as a 529 plan.

Checking account(s) and cash on hand $

Savings, money market funds, and Certificates of Deposit (CDs) $

Stocks and bonds (non-retirement accounts) $

Other: $

Fannie Mae/Freddie Mac Form 710 Page 3 of 4 September 2017

Borrower Certification and Agreement 1. I certify and acknowledge that all of the information in this Mortgage Assistance Application is truthful, and the hardship I

identified contributed to my need for mortgage relief. Knowingly submitting false information may violate Federal andother applicable law.

2. I agree to provide my servicer with all required documents, including any additional supporting documentation asrequested, and will respond in a timely manner to all servicer or authorized third party* communications.

3. I acknowledge and agree that my servicer is not obligated to offer me assistance based solely on the representations inthis document or other documentation submitted in connection with my request.

4. I consent to the servicer or authorized third party* obtaining a current credit report for the borrower and co-borrower.

5. I consent to the disclosure by my servicer, authorized third party,* or any investor/guarantor of my mortgage loan(s), ofany personal information collected during the mortgage assistance process and of any information about any relief Ireceive, to any third party that deals with my first lien or subordinate lien (if applicable) mortgage loan(s), includingFannie Mae, Freddie Mac, or any investor, insurer, guarantor, or servicer of my mortgage loan(s) or any companies thatprovide support services to them, for purposes permitted by applicable law. Personal information may include, but is notlimited to: (a) my name, address, telephone number, (b) my Social Security number, (c) my credit score, (d) my income,and (e) my payment history and information about my account balances and activity.

6. I agree that the terms of this borrower certification and agreement will apply to any modification trial period plan,repayment plan, or forbearance plan that I may be offered based on this application. If I receive an offer for amodification trial period plan or repayment plan, I agree that my first timely payment under the plan will serve asacceptance of the plan.

7. I consent to being contacted concerning this application for mortgage assistance at any telephone number, includingmobile telephone number, or email address I have provided to the lender, servicer, or authorized third party.*

* An authorized third party may include, but is not limited to, a housing counseling agency, Housing Finance Agency (HFA)or other similar entity that is assisting me in obtaining a foreclosure prevention alternative.

Borrower signature: _________________________________________________ Date: _________________________

Co-Borrower signature: ______________________________________________ Date: _________________________

Please submit your completed application, together with the required documentation, to Ulster Savings Bank via mail: PO Box 3337, Kingston, NY 12402, fax: (845) 943-6952, or online: www.ulstersavings.com. We will contact you within five business days to acknowledge receipt and let you know if you need to send additional information or documents.

We will use the information you provided to help us identify the assistance you may be eligible to receive.

Fannie Mae/Freddie Mac Form 710 Page 4 of 4 September 2017

Monthly Expense Sheet The following is an itemized list of your monthly expenses in order for us to better analyze your current situation. Please provide monthly estimates for the following where applicable: Other Mortgages/Liens $_______________ Auto Loan(s) $_______________ Auto Expense(s) (gas/insurance) $_______________ Credit Cards/ Installment Loan(s) $_______________ (Total minimum payment for both per month) Health Insurance (not withheld from pay) $_______________ Medical (co-pays and Rx) $_______________ Child Care/Support/Alimony $_______________ Food $_______________ Spending $_______________ Water/Sewer/Utilities/Phone $_______________ HOA/Condo Fees/Property Maintenance $_______________ Life Insurance Payments (not withheld from pay) $_______________ Other ___________________________ $_______________ Other ___________________________ $_______________ Please list any additional expenses on the back of this sheet. I agree as follows: My lender may discuss, obtain and share information about my mortgage and person financial situation with third parties such as purchasers, real estate brokers, insurers, financials institutions, creditor and credit bureaus. Discussions and negotiations of a possible foreclosure alternative will not constitute a waiver of or defense to my lender’s right to commence or continue any foreclosure or other collection action, and an alternative to foreclosure will be provided only if an agreement has been approved in writing by my lender. The information herein is an accurate statement of my financial status. Borrower Signature Date Co-Borrower Signature Date

Written Letter of Hardship PLEASE SIGN BELOW WHEN FINISHED

Borrower Signature Date Co-Borrower Signature Date

*Please attach an additional sheet if you need more room*

Form 4506T-EZ(July 2017)

Department of the Treasury Internal Revenue Service

Short Form Request for Individual Tax Return Transcript Request may not be processed if the form is incomplete or illegible.

For more information about Form 4506T-EZ, visit www.irs.gov/form4506tez.

OMB No. 1545-2154

Tip. Use Form 4506T-EZ to order a 1040 series tax return transcript free of charge, or you can quickly request transcripts by using our automated self-help service tools. Please visit us at IRS.gov and click on “Get Transcript of Your Tax Records” under “Tools” or call 1-800-908-9946.

1a Name shown on tax return. If a joint return, enter the name shown first. 1b First social security number or individual taxpayer

identification number on tax return

2a If a joint return, enter spouse’s name shown on tax return. 2b Second social security number or individual

taxpayer identification number if joint tax return

3 Current name, address (including apt., room, or suite no.), city, state, and ZIP code (see instructions)

4 Previous address shown on the last return filed if different from line 3 (see instructions)

5 If the transcript is to be mailed to a third party (such as a mortgage company), enter the third party’s name, address, and telephone number. The IRS has no control over what the third party does with the tax information.

Third party name Telephone number

Address (including apt., room, or suite no.), city, state, and ZIP code

Caution. If the tax transcript is being mailed to a third party, ensure that you have filled in line 6 before signing. Sign and date the form once you have filled in this line. Completing this step helps to protect your privacy. Once the IRS discloses your IRS transcript to the third party listed on line 5, the IRS has no control over what the third party does with the information. If you would like to limit the third party's authority to disclose your transcript information, you can specify this limitation in your written agreement with the third party.

6 Year(s) requested. Enter the year(s) of the return transcript you are requesting (for example, “2008”). Most requests will be processed within 10 business days.

Note. If the IRS is unable to locate a return that matches the taxpayer identity information provided above, or if IRS records indicate that the return has not been filed, the IRS will notify you or the third party that it was unable to locate a return, or that a return was not filed, whichever is applicable.

Caution. Do not sign this form unless all applicable lines have been completed.

Signature of taxpayer(s). I declare that I am the taxpayer whose name is shown on either line 1a or 2a. If the request applies to a joint return, either

spouse must sign. Note: This form must be received by IRS within 120 days of the signature date.

Signatory attests that he/she has read the attestation clause and upon so reading declares that he/she has the authority to sign the Form

4506-T. See instructions.

Sign

Here

Phone number of taxpayer on line 1a or 2a

Signature (see instructions) Date

Spouse’s signature Date

For Privacy Act and Paperwork Reduction Act Notice, see page 2. Cat. No. 54185S Form 4506T-EZ (Rev. 7-2017)

Form 4506T-EZ (Rev. 7-2017) Page 2

Section references are to the Internal Revenue Code unless otherwise noted.

Future Developments

For the latest information about developments related to Form 4506T-EZ, such as legislation enacted after it was published, go to www.irs.gov/form4506tez.

Caution. Do not sign this form unless all applicable lines have been completed.

Purpose of form. Individuals can use Form 4506T-EZ to request a tax return transcript for the current and the prior three years that includes most lines of the original tax return. The tax return transcript will not show payments, penalty assessments, or adjustments made to the originally filed return. You can also designate (on line 5) a third party (such as a mortgage company) to receive a transcript. Form 4506T-EZ cannot be used by taxpayers who file Form 1040 based on a tax year beginning in one calendar year and ending in the following year (fiscal tax year). Taxpayers using a fiscal tax year must file Form 4506-T, Request for Transcript of Tax Return, to request a return transcript.

Use Form 4506-T to request tax return transcripts, tax account information, W-2 information, 1099 information, verification of non-filing, and record of account.

Automated transcript request. You can quickly request transcripts by using our automated self-help service tools. Please visit us at IRS.gov and click on “Get Transcript of Your Tax Records” under “Tools” or call 1-800-908-9946.

Where to file. Mail or fax Form 4506T-EZ to the address below for the state you lived in when the return was filed.

If you are requesting more than one transcript or other product and the chart below shows two different addresses, send your request to the address based on the address of your most recent return.

If you filed an individual return and lived in:

Mail or fax to the “Internal Revenue Service” at:

Alabama, Kentucky, Louisiana, Mississippi, Tennessee, Texas, a foreign country, American Samoa, Puerto Rico, Guam, the Commonwealth of the Northern Mariana Islands, the U.S. Virgin Islands, or A.P.O. or F.P.O. address

RAIVS Team Stop 6716 AUSC Austin, TX 73301 855-587-9604

Alaska, Arizona, Arkansas, California, Colorado, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Montana, Nebraska, Nevada, New Mexico, North Dakota, Oklahoma, Oregon, South Dakota, Utah, Washington, Wisconsin, Wyoming

RAIVS Team Stop 37106 Fresno, CA 93888 (855) 800-8105

Connecticut, Delaware, District of Columbia, Florida, Georgia, Maine, Maryland, Massachusetts, Missouri, New Hampshire, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Rhode Island, South Carolina, Vermont, Virginia, West Virginia

RAIVS Team Stop 6705 P-6 Kansas City, MO 64999 855-821-0094

Line 1b. Enter your employer identification number (EIN) if your request relates to a business return. Otherwise, enter the first social security number (SSN) or your individual taxpayer identification number (ITIN) shown on the return. For example, if you are requesting Form 1040 that includes Schedule C (Form 1040), enter your SSN.

Line 3. Enter your current address. If you use a P.O. box, include it on this line.

Line 4. Enter the address shown on the last return filed if different from the address entered on line 3.

Note. If the address on lines 3 and 4 are different and you have not changed your address with the IRS, file Form 8822, Change of Address.

Signature and date. Form 4506T-EZ must be

signed and dated by the taxpayer listed on

line 1a or 2a. The IRS must receive Form 4506T-EZ within 120 days of the date signed by the taxpayer or it will be rejected. Ensure that all applicable lines are completed before signing.

You must check the box in the signature area to acknowledge you have the authority to sign and request the information. The form will not be processed and returned to you if the box is unchecked

Transcripts of jointly filed tax returns may be furnished to either spouse. Only one signature is required. Sign Form 4506T-EZ exactly as your name appeared on the original return. If you changed your name, also sign your current name.

Privacy Act and Paperwork Reduction Act

Notice. We ask for the information on this form to establish your right to gain access to the requested tax information under the Internal Revenue Code. We need this information to properly identify the tax information and respond to your request. If you request a transcript, sections 6103 and 6109 require you to provide this information, including your SSN. If you do not provide this information, we may not be able to process your request. Providing false or fraudulent information may subject you to penalties.

Routine uses of this information include giving it to the Department of Justice for civil and criminal litigation, and cities, states, the District of Columbia, and U.S. commonwealths and possessions for use in administering their tax laws. We may also disclose this information to other countries under a tax treaty, to federal and state agencies to enforce federal nontax criminal laws, or to federal law enforcement and intelligence agencies to combat terrorism.

You are not required to provide the information requested on a form that is subject to the Paperwork Reduction Act unless the form displays a valid OMB control number. Books or records relating to a form or its instructions must be retained as long as their contents may become material in the administration of any Internal Revenue law. Generally, tax returns and return information are confidential, as required by section 6103.

The time needed to complete and file Form 4506T-EZ will vary depending on individual circumstances. The estimated average time is: Learning about the law or the form, 9 min.; Preparing the form, 18 min.; and Copying, assembling, and sending the form

to the IRS, 20 min.

If you have comments concerning the accuracy of these time estimates or suggestions for making Form 4506T-EZ simpler, we would be happy to hear from you. You can write to:

Internal Revenue Service Tax Forms and Publications Division 1111 Constitution Ave. NW, IR-6526 Washington, DC 20224

Do not send the form to this address. Instead, see Where to file on this page.

BORROWER CONSENT TO THE USE OF TAX RETURN INFORMATION

Borrower(s): Date:

Loan Number:

Property Address:

Lender: Ulster Savings Bank

180 Schwenk Drive Kingston, NY 12401

I/We, ,

understand, acknowledge, and agree that the Lender and Other Loan Participants can obtain, use and share tax return information for purposes of (i) providing an offer; (ii) originating, maintaining, managing, monitoring, servicing, selling, insuring, and securitizing a loan; (iii) marketing; or (iv) as otherwise permitted by applicable laws, including state and federal privacy and data security laws.

The Lender includes the Lender’s affiliates, agents, service providers and any of aforementioned parties’ successors and assigns. The Other Loan Participants includes any actual or potential owners of a loan resulting from your loan application, or acquirers of any beneficial or other interest in the loan, any mortgage insurer, guarantor, any servicers or service providers for these parties and any of aforementioned parties’ successors and assigns.

ACKNOWLEDGEMENT

By signing below, you hereby acknowledge reading and understanding all of the information disclosed above, and receiving a copy of this disclosure on the date indicated below.

Borrower Signature Date Borrower Signature Date

©2019 The Mortgage Industry Standards Maintenance Organization. All rights reserved. Ellie Mae, Inc.

GBCTAXRIJ 1119 GBCTAXRIJ (INI)